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Credit search - Home insurance claim


plkdelta
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Hi. Sorry if this is in the wrong group.

 

I wonder if anyone can help. I recently had to make 2 claims on my home contents policy with Halifax underwritten by Lloyds

 

I have been trying to build my credit rating with the intention of applying for a mortgage in the new year.

 

I was alarmed to find today that my rating has dropped by 200 points due to credit searches from Lloyds on the 2 dates that I made the claim.

 

Is this normal, and why would they do such a search? This could seriously affect my chances of getting a mortgage.

 

thanks in advance

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